Thereâs a pattern that plays out almost every year. Sometime in June, the conversation shifts. People who have spent the past 11 months focused on markets, property, or business suddenly turn their attention to superannuation contributions, often with a simple question: âHave I used my contribution cap?â Itâs a reasonable question, but itâs also the wrong one. By the time youâre asking that in late June, youâre no longer making a strategic decision, youâre making a reactive one.